Patents by Inventor Buturab RIZVI
Buturab RIZVI has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Publication number: 20230418809Abstract: The disclosed exemplary embodiments include computer-implemented systems, devices, and processes that securely distribute digital assets within a computing environment using permissioned distributed ledgers. For example, an apparatus may receive, from a computing system, an allocation request, a first digital signature applied to the allocation request, and a second digital signature applied to the allocation request and to the first digital signature. Based on a validation of the first and second digital signatures, the apparatus may approve the allocation request and allocate a digital asset to the first device in accordance with the approved allocation request. The apparatus may also perform operations that record a public key and asset data identifying a digital asset onto a distributed ledger, and may generate and transmit, to the first device, confirmation data indicative of the allocation of the digital asset to the first device.Type: ApplicationFiled: September 10, 2023Publication date: December 28, 2023Inventors: Alexey SHPUROV, Albert Louis Rothenstein, Adrian Chung-Hey Ma, Buturab Rizvi, Alexandra Tsourkis, Francis James Alexander Guttridge
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Publication number: 20230403139Abstract: The disclosed exemplary embodiments include computer-implemented systems, devices, and processes that securely distribute and manage cryptographic keys within a computing environment using permissioned distributed ledgers. By way of example, an apparatus may receive a registration request and a first digital signature applied to the registration request from a device. Based on a validation of the first digital signature, the apparatus may approve the registration request and apply a second digital signature to the registration request and the first digital signature. In some examples, the second digital signature may be indicative of the approval of the registration request by the apparatus.Type: ApplicationFiled: August 11, 2023Publication date: December 14, 2023Inventors: Alexey SHPUROV, Albert Louis ROTHENSTEIN, Adrian Chung-Hey MA, Buturab RIZVI, Alexandra TSOURKIS, Francis James Alexander GUTTRIDGE
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Patent number: 11816658Abstract: A computer-implemented method for allowing purchase of virtual gift cards includes receiving a communication indicating a gift card type and specifying a value amount. Responsive to the communication, a purchase of a virtual gift card of that type and storing that value amount is processed. This processing includes processing a payment for the specified value amount. Further, a gift card merchant application programming interface (API) capable of processing a purchase of a virtual gift card of the indicated gift card type is identified from amongst a set of such APIs. That API is used to initiate purchase of the virtual gift card. After the purchase is processed, an indication of the purchased virtual gift card is sent to a mobile computing device. The mobile computing device uses the indication to configure itself to allow transactions using the purchased virtual gift card to be initiated. Fraud detection may also be performed.Type: GrantFiled: November 2, 2022Date of Patent: November 14, 2023Assignee: The Toronto-Dominion BankInventors: Michael Pronski, Buturab Rizvi
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Patent number: 11809403Abstract: The disclosed exemplary embodiments include computer-implemented systems, devices, and processes that securely distribute digital assets within a computing environment using permissioned distributed ledgers. For example, an apparatus may receive, from a computing system, an allocation request, a first digital signature applied to the allocation request, and a second digital signature applied to the allocation request and to the first digital signature. Based on a validation of the first and second digital signatures, the apparatus may approve the allocation request and allocate a digital asset to the first device in accordance with the approved allocation request. The apparatus may also perform operations that record a public key and asset data identifying a digital asset onto a distributed ledger, and may generate and transmit, to the first device, confirmation data indicative of the allocation of the digital asset to the first device.Type: GrantFiled: December 16, 2019Date of Patent: November 7, 2023Assignee: The Toronto-Dominion BankInventors: Alexey Shpurov, Albert Louis Rothenstein, Adrian Chung-Hey Ma, Buturab Rizvi, Alexandra Tsourkis, Francis James Alexander Guttridge
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Patent number: 11784799Abstract: The disclosed exemplary embodiments include computer-implemented systems, devices, and processes that securely distribute and manage cryptographic keys within a computing environment using permissioned distributed ledgers. By way of example, an apparatus may receive a registration request and a first digital signature applied to the registration request from a device. Based on a validation of the first digital signature, the apparatus may approve the registration request and apply a second digital signature to the registration request and the first digital signature. In some examples, the second digital signature may be indicative of the approval of the registration request by the apparatus. The apparatus may also transmit the registration request and the first and second digital signatures to a computing system, which may validate the first and second digital signatures and perform operations that record a public cryptographic key of an application program executed at the device onto a distributed ledger.Type: GrantFiled: December 16, 2019Date of Patent: October 10, 2023Assignee: The Toronto-Dominion BankInventors: Alexey Shpurov, Albert Louis Rothenstein, Adrian Chung-Hey Ma, Buturab Rizvi, Alexandra Tsourkis, Francis James Alexander Guttridge
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Patent number: 11777731Abstract: The disclosed exemplary embodiments include computer-implemented systems, devices, and processes that securely manage transfers of digital assets between computing devices using permissioned distributed ledgers. By way of example, an apparatus may receive, from a first device, a request to transfer a digital asset to a second device and a first digital signature applied to the request. Based on a validation of the first digital signature, the apparatus may approve the request and apply a second digital signature to the request and the first digital signature indicative of the approval of the request by the apparatus. The apparatus may also transmit the request, the first digital signature, and the second digital signature to a computing system, which may validate the first and second digital signatures and perform operations that record the first public key and asset data identifying the digital asset within at least one element of a distributed ledger.Type: GrantFiled: August 18, 2022Date of Patent: October 3, 2023Assignee: The Toronto-Dominion BankInventors: Alexey Shpurov, Albert Louis Rothenstein, Adrian Chung-Hey Ma, Buturab Rizvi, Alexandra Tsourkis, Francis James Alexander Guttridge
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Patent number: 11605063Abstract: A computer server receives from a mobile device, via a first network, a data structure request that includes a user identifier; associates a data structure with a user profile; and transmits the data structure to the mobile device. The user profile includes the user identifier and a current balance value. The server receives from a POS device, via a second network, a balance update request that includes an updated balance value, and a validation request that includes the user identifier and the data structure. The server determines that, prior to receiving the validation request, the server had associated the data structure with the user profile. The server replaces the current balance value in the user profile with the updated balance value; and transmits to the mobile device, via the first network, a balance update confirmation confirming that the server had updated the user profile with the updated balance value.Type: GrantFiled: March 30, 2021Date of Patent: March 14, 2023Assignee: The Toronto-Dominoin BankInventors: Buturab Rizvi, Alexandra Tsourkis, Ki Nam Choi
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Publication number: 20230046812Abstract: A computer-implemented method for allowing purchase of virtual gift cards includes receiving a communication indicating a gift card type and specifying a value amount. Responsive to the communication, a purchase of a virtual gift card of that type and storing that value amount is processed. This processing includes processing a payment for the specified value amount. Further, a gift card merchant application programming interface (API) capable of processing a purchase of a virtual gift card of the indicated gift card type is identified from amongst a set of such APIs. That API is used to initiate purchase of the virtual gift card. After the purchase is processed, an indication of the purchased virtual gift card is sent to a mobile computing device. The mobile computing device uses the indication to configure itself to allow transactions using the purchased virtual gift card to be initiated. Fraud detection may also be performed.Type: ApplicationFiled: November 2, 2022Publication date: February 16, 2023Applicant: The Toronto-Dominion BankInventors: Michael PRONSKI, Buturab RIZVI
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Publication number: 20230050154Abstract: The disclosed exemplary embodiments include computer-implemented systems, devices, and processes that securely manage transfers of digital assets between computing devices using permissioned distributed ledgers. By way of example, an apparatus may receive, from a first device, a request to transfer a digital asset to a second device and a first digital signature applied to the request. Based on a validation of the first digital signature, the apparatus may approve the request and apply a second digital signature to the request and the first digital signature indicative of the approval of the request by the apparatus. The apparatus may also transmit the request, the first digital signature, and the second digital signature to a computing system, which may validate the first and second digital signatures and perform operations that record the first public key and asset data identifying the digital asset within at least one element of a distributed ledger.Type: ApplicationFiled: August 18, 2022Publication date: February 16, 2023Inventors: Alexey SHPUROV, Albert Louis ROTHENSTEIN, Adrian Chung-Hey MA, Buturab RIZVI, Alexandra TSOURKIS, Francis James Alexander GUTTRIDGE
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Patent number: 11580762Abstract: A computer model to identify a type of physical card is trained using simulated card images. The physical card may exist with various subtypes, some of which may not exist or be unavailable when the model is trained. To more robustly identify these subtypes, the training data set for the computer model includes simulated card images that are generated for the card type. The simulated card images are generated based on a semi-randomized background that varies in appearance, onto which an identifying marking of the card type is superimposed, such that the training data for the computer model includes additional randomized sample card images and ensure the model is robust to further variations in subtypes.Type: GrantFiled: November 1, 2021Date of Patent: February 14, 2023Assignee: The Toronto-Dominion BankInventors: Buturab Rizvi, Adrian Chung-Hey Ma, Ki Nam Choi, Alexandra Tsourkis
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Publication number: 20220414767Abstract: A processor-implemented method is disclosed. The method includes: receiving user input including a selection of a vehicle and personal data for an entity; obtaining value data for the selected vehicle; accessing database records associated with accounts of the entity at a resource server to obtain pre-qualification information for the entity; determining based on the pre-qualification information for the entity, that the entity is qualified for borrowing resources in connection with the selected vehicle; and in response to determining that the entity is qualified, selectively provide access to the user-inputted personal data for the entity.Type: ApplicationFiled: September 1, 2022Publication date: December 29, 2022Applicant: The Toronto-Dominion BankInventors: Alexandra TSOURKIS, Blair Buxton, Buturab Rizvi, Umer M. Adil
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Patent number: 11521198Abstract: A computer-implemented method for allowing purchase of virtual gift cards includes receiving a communication indicating a gift card type and specifying a value amount. Responsive to the communication, a purchase of a virtual gift card of that type and storing that value amount is processed. This processing includes processing a payment for the specified value amount. Further, a gift card merchant application programming interface (API) capable of processing a purchase of a virtual gift card of the indicated gift card type is identified from amongst a set of such APIs. That API is used to initiate purchase of the virtual gift card. After the purchase is processed, an indication of the purchased virtual gift card is sent to a mobile computing device. The mobile computing device uses the indication to configure itself to allow transactions using the purchased virtual gift card to be initiated. Fraud detection may also be performed.Type: GrantFiled: January 10, 2020Date of Patent: December 6, 2022Assignee: THE TORONTO-DOMINION BANKInventors: Michael Pronski, Buturab Rizvi
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Patent number: 11456869Abstract: The disclosed exemplary embodiments include computer-implemented systems, devices, and processes that securely manage transfers of digital assets between computing devices using permissioned distributed ledgers. By way of example, an apparatus may receive, from a first device, a request to transfer a digital asset to a second device and a first digital signature applied to the request. Based on a validation of the first digital signature, the apparatus may approve the request and apply a second digital signature to the request and the first digital signature indicative of the approval of the request by the apparatus. The apparatus may also transmit the request, the first digital signature, and the second digital signature to a computing system, which may validate the first and second digital signatures and perform operations that record the first public key and asset data identifying the digital asset within at least one element of a distributed ledger.Type: GrantFiled: December 16, 2019Date of Patent: September 27, 2022Assignee: The Toronto-Dominion BankInventors: Alexey Shpurov, Albert Louis Rothenstein, Adrian Chung-Hey Ma, Buturab Rizvi, Alexandra Tsourkis, Francis James Alexander Guttridge
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Patent number: 11436809Abstract: A method for providing a treasure hunt in augmented reality includes presenting an indication of a starting point of a path through an environment that, when followed, allows a virtual gift card to be obtained. Then, as a mobile computer system travels through the environment from a location proximate the starting point, navigation indications to allow the path to be followed are presented. Presenting the navigation indications may include capturing images of portions of the environment, detecting locations corresponding to the path, modifying a captured image based on a detected location by compositing it with a navigation indication corresponding to a direction of the path; and displaying the modified captured image. That the mobile computer system has been moved to a location proximate an ending point of the path can be detected and may trigger an update to an account to associate the virtual gift card therewith.Type: GrantFiled: July 27, 2021Date of Patent: September 6, 2022Assignee: The Toronto-Dominion BankInventors: Buturab Rizvi, Mohammad Fahad Khan, John Ivan Bacic, Miguel Navarro, Alexandra Tsourkis
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Publication number: 20220239475Abstract: The disclosed exemplary embodiments include computer-implemented systems, devices, and processes that securely manage and regenerate cryptographic keys using permissioned distributed ledgers. For example, a device may receive, from a first computing system, data indicative of a recordation of a first public key onto a distributed ledger. Based on an occurrence of a regeneration condition, the device may transmit, to a second computing system, a second public key and a first digital signature, and the second computing system may validate the first digital signature, apply a second digital signature to the second public key, and transmit the second public key and the digital signatures to the first computing system. The device also receives, from the first computing system, additional data indicative of a recordation of the second public key onto the distributed ledger, and based on the additional data, the device may invalidate the first private key.Type: ApplicationFiled: April 13, 2022Publication date: July 28, 2022Inventors: Alexey SHPUROV, Albert Louis ROTHENSTEIN, Adrian Chung-Hey MA, Buturab RIZVI, Alexandra TSOURKIS, Francis James Alexander GUTTRIDGE
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Patent number: 11336440Abstract: The disclosed exemplary embodiments include computer-implemented systems, devices, and processes that securely manage and regenerate cryptographic keys using permissioned distributed ledgers. For example, a device may receive, from a first computing system, data indicative of a recordation of a first public key onto a distributed ledger. Based on an occurrence of a regeneration condition, the device may transmit, to a second computing system, a second public key and a first digital signature, and the second computing system may validate the first digital signature, apply a second digital signature to the second public key, and transmit the second public key and the digital signatures to the first computing system. The device also receives, from the first computing system, additional data indicative of a recordation of the second public key onto the distributed ledger, and based on the additional data, the device may invalidate the first private key.Type: GrantFiled: December 16, 2019Date of Patent: May 17, 2022Assignee: The Toronto-Dominion BankInventors: Alexey Shpurov, Albert Louis Rothenstein, Adrian Chung-Hey Ma, Buturab Rizvi, Alexandra Tsourkis, Francis James Alexander Guttridge
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Publication number: 20220051008Abstract: A computer model to identify a type of physical card is trained using simulated card images. The physical card may exist with various subtypes, some of which may not exist or be unavailable when the model is trained. To more robustly identify these subtypes, the training data set for the computer model includes simulated card images that are generated for the card type. The simulated card images are generated based on a semi-randomized background that varies in appearance, onto which an identifying marking of the card type is superimposed, such that the training data for the computer model includes additional randomized sample card images and ensure the model is robust to further variations in subtypes.Type: ApplicationFiled: November 1, 2021Publication date: February 17, 2022Inventors: Buturab Rizvi, Adrian Chung-Hey Ma, Ki Nam Choi, Alexandra Tsourkis
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Patent number: 11210857Abstract: A method for providing a treasure hunt in augmented reality includes presenting an indication of a starting point of a path through an environment that, when followed, allows a virtual gift card to be obtained. Then, as a mobile computer system travels through the environment from a location proximate the starting point, navigation indications to allow the path to be followed are presented. Presenting the navigation indications may include capturing images of portions of the environment, detecting locations corresponding to the path, modifying a captured image based on a detected location by compositing it with a navigation indication corresponding to a direction of the path; and displaying the modified captured image. That the mobile computer system has been moved to a location proximate an ending point of the path can be detected and may trigger an update to an account to associate the virtual gift card therewith.Type: GrantFiled: September 26, 2019Date of Patent: December 28, 2021Assignee: THE TORONTO-DOMINION BANKInventors: Buturab Rizvi, Mohammad Fahad Khan, John Ivan Bacic, Miguel Navarro, Alexandra Tsourkis
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Patent number: 11200411Abstract: A computer model to identify a type of physical card is trained using simulated card images. The physical card may exist with various subtypes, some of which may not exist or be unavailable when the model is trained. To most robustly identify these subtypes, the training data set for the computer model includes simulated card images that are generated for the card type. The simulated card images are generated based on a semi-randomized background that varies in appearance, onto which an identifying marking of the card type is superimposed, such that the training data for the computer model includes additional randomized sample card images and ensure the model is robust to further variations in subtypes.Type: GrantFiled: October 16, 2019Date of Patent: December 14, 2021Assignee: The Toronto-Dominion BankInventors: Buturab Rizvi, Adrian Chung-Hey Ma, Ki Nam Choi, Alexandra Tsourkis
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Publication number: 20210358226Abstract: A method for providing a treasure hunt in augmented reality includes presenting an indication of a starting point of a path through an environment that, when followed, allows a virtual gift card to be obtained. Then, as a mobile computer system travels through the environment from a location proximate the starting point, navigation indications to allow the path to be followed are presented. Presenting the navigation indications may include capturing images of portions of the environment, detecting locations corresponding to the path, modifying a captured image based on a detected location by compositing it with a navigation indication corresponding to a direction of the path; and displaying the modified captured image. That the mobile computer system has been moved to a location proximate an ending point of the path can be detected and may trigger an update to an account to associate the virtual gift card therewith.Type: ApplicationFiled: July 27, 2021Publication date: November 18, 2021Applicant: The Toronto-Dominion BankInventors: Buturab RIZVI, Fahad Ahmed KHAN, John Ivan BACIC, Miguel NAVARRO, Alexandra TSOURKIS